You’re in a hospital and think you’re admitted. Maybe not. Many Medicare beneficiaries are surprised to learn that even after spending a couple of days, they are receiving observation care, which Medicare considers an outpatient service, so the seniors’ costs can be more than expected.

Presidential candidates from both parties have proposals they say would help lower the cost of prescription drugs. But most experts say that efforts to regulate prices might not end up saving much money.

Republicans have long touted a proposal to allow insurers to sell across state lines as a way to help keep coverage costs down. But there are some significant obstacles to making such a system work, as this video points out.